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If you cannot afford to repay your debts you may be eligible for an IVA (individual voluntary arrangement). An IVA allows your debts to be cancelled so that they never have to be repaid. Up to 90% of your debts could be written off.

With an IVA you cannot be contacted by creditors such as banks or credit card companies. They can only talk to the insolvency practitioner managing your IVA. All threatening letters stop and interest is no longer added to your debts.

An IVA is for those who cannot repay their debts. An IVA helps creditors because it saves them time chasing debts that can never be repaid. An IVA is a government scheme designed to get people out of debt.

This may sound too good to be true – but it is true


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